Car Insurance with Bad Credit in South Dakota (2026)
Quick Answer
Bad credit in South Dakota increases car insurance by 45%, raising full coverage from $1,608/year to $2,332/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$134/mo
Poor Credit (1.45x)
$194/mo
Best Companies for Bad Credit in South Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $144/mo | $1,726/yr | Military families |
| Erie Insurance | $154/mo | $1,842/yr | Rate lock guarantee |
| GEICO | $159/mo | $1,912/yr | Clean driving record |
| Progressive | $171/mo | $2,052/yr | Telematics savings |
| State Farm | $177/mo | $2,122/yr | Good students |
| Travelers | $185/mo | $2,215/yr | Multiple discounts |
| Nationwide | $202/mo | $2,425/yr | Bundling home + auto |
| Farmers | $210/mo | $2,519/yr | Signal telematics |
| Allstate | $218/mo | $2,612/yr | Accident forgiveness |
| Liberty Mutual | $229/mo | $2,752/yr | New car replacement |
USAACheapest
Monthly
$144/mo
Annual
$1,726/yr
Best for: Military families
Erie Insurance
Monthly
$154/mo
Annual
$1,842/yr
Best for: Rate lock guarantee
GEICO
Monthly
$159/mo
Annual
$1,912/yr
Best for: Clean driving record
Progressive
Monthly
$171/mo
Annual
$2,052/yr
Best for: Telematics savings
State Farm
Monthly
$177/mo
Annual
$2,122/yr
Best for: Good students
Travelers
Monthly
$185/mo
Annual
$2,215/yr
Best for: Multiple discounts
Nationwide
Monthly
$202/mo
Annual
$2,425/yr
Best for: Bundling home + auto
Farmers
Monthly
$210/mo
Annual
$2,519/yr
Best for: Signal telematics
Allstate
Monthly
$218/mo
Annual
$2,612/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$229/mo
Annual
$2,752/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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